TERMS OF USE

Last Updated: March 2026

These Terms of Use (“Terms”) govern your access to and use of LifeyInsurance.com (“Website”), which is operated by Qais A. Laban (“Operator”, “Lifey”, “we”, “our”, or “us”). By accessing or using this Website you agree to be bound by these Terms.

If you do not agree with these Terms, you should not access or use the Website.

1. Website Operator

LifeyInsurance.com is owned and operated by:

Qais A. Laban  

Licensed Life Insurance Agent  

National Producer Number (NPN): 22048910  

Business Address  

6058 E Silverspur Trail  

Anaheim, California 92807  

United States

Contact Email  

qais@lifeyinsurance.com

2. Insurance Producer Disclosure

LifeyInsurance.com is an insurance marketing and informational website operated by a licensed insurance producer.

Lifey is not an insurance company and does not issue insurance policies. Insurance products referenced on this Website are issued by third-party insurance carriers.

All insurance coverage is subject to underwriting approval by the issuing insurance carrier.

3. Insurance Solicitation

This Website constitutes a solicitation for insurance.

Insurance products advertised through the Website may not be available in all states and eligibility requirements may vary based on age, health, underwriting guidelines, and state availability.

4. Educational Information

Information provided on this Website is intended for general informational purposes only and should not be interpreted as legal, financial, tax, or insurance advice.

Users should consult with a licensed insurance professional regarding their specific needs.

5. Quote Estimates

Any insurance premium estimates, rate illustrations, or coverage estimates provided through this Website are non-binding estimates.

Actual insurance premiums and eligibility are determined solely by the issuing insurance carrier following underwriting review.

6. User Responsibilities

Users agree that they will not:

• Provide false or misleading information  

• Attempt to interfere with Website security  

• Attempt to gain unauthorized access to systems  

• Use the Website for unlawful purposes  

Providing inaccurate information during the insurance application process may result in denial of coverage or policy rescission by the insurance carrier.

7. Third-Party Services

The Website may utilize third-party technology providers and insurance services including but not limited to:

• insurance carriers  

• underwriting data providers  

• insurance marketing organizations  

• analytics providers  

• form processing platforms  

Lifey is not responsible for the privacy practices or operational policies of third-party providers.

8. Intellectual Property

All content on this Website including logos, design elements, written content, graphics, and branding are the property of LifeyInsurance.com unless otherwise noted.

Unauthorized reproduction or distribution of Website content is prohibited.

9. Limitation of Liability

To the fullest extent permitted by law, LifeyInsurance.com and Qais A. Laban shall not be liable for any damages arising from the use or inability to use this Website.

10. Governing Law

These Terms shall be governed by the laws of the State of California without regard to conflict of law principles.

11. Changes to Terms

Lifey reserves the right to update these Terms at any time. Continued use of the Website after updates constitutes acceptance of the revised Terms.